Credit Manager

For more than a century, Ben

E. Keith Company has been a leader in fine food and premium beverage distribution, and we strive to consistently exceed our customers’ expectations.

Our Food Division is a complete broad line multi‑state distributor, and our Beverage Division operates throughout the state of Texas as a proud distributor of Anheuser‑Busch products, craft and import beer brands, spirits, and wine.

We are dedicated to the growth and success of our business, our customers, and our employees—continuing our commitment to delivering quality since 1906.

Come join us as we grow! Are you ready to transform credit management from a back‑office function to a strategic growth driver? We're seeking a Credit Manager who sees beyond traditional collections and credit management to the bigger picture of business enablement.

Our Credit team doesn't just manage risk—we optimize it. We don't just collect payments—we create positive customer experiences. We understand that appropriate risk doesn't mean zero risk, and that true success comes from partnering with sales to enable growth while maintaining financial discipline.

• Evaluate and approve customer credit applications using Bectran.
• Establish appropriate credit limits and payment terms based on financial analysis.
• Make independent credit decisions within policy guidelines.
• Monitor customer balances, exposure levels, and payment behavior proactively.
• Escalate high‑risk or high‑exposure accounts (e.g., >$100K) to corporate credit leadership.
• Maintain complete documentation supporting all credit decisions.
• Participate in periodic portfolio reviews and risk assessments.

• Act as the administrator and enforcer of company credit policy.
• Ensure consistent, disciplined application of policy without exception.
• Balance risk management with business objectives while maintaining the integrity of standards.
• Support ongoing refinement and alignment of credit practices with company goals.

• Partner with ~40+ sales representatives and district sales managers.
• Enable sales growth through timely account setup and clear communication.
• Communicate credit decisions in a professional, solutions‑oriented manner.
• Support sales teams in understanding and communicating credit requirements to customers.
• Serve as escalation point for complex or sensitive credit issues.

• Drive fast turnaround on new customer onboarding.
• Prioritize incoming applications and respond quickly to sales inquiries.
• Identify missing documentation and follow up promptly.
• Partner with internal support staff to ensure accurate account setup in SAP.
• Maintain efficiency in a high‑volume, fast‑paced environment.

• Monitor portfolio health, including exposure, aging, and risk trends.
• Support preparation of reports related to bad debt, account performance, and credit metrics.
• Identify opportunities for process improvements and efficiency gains.

• Bachelor’s degree in Finance, Accounting, Business, or related field (or equivalent experience).
• 5+ years of progressive experience in credit management, commercial credit, or lending.
• Demonstrated ability to make independent credit decisions in a terms‑based environment.
• Strong understanding of financial statements, credit risk analysis, and customer credit evaluation.
• Experience working in a high‑volume, deadline‑driven environment.
• Proven ability to enforce policy while maintaining collaborative relationships.
• Strong communication and decision‑making skills.

• Experience with Bectran, SAP, or similar systems.
• Experience in unsecured or minimally collateralized credit environments.
• Certifications such as CCE, CBA, CBFC, or equivalent.
• Industry knowledge in Food Services, Wholesale distribution, Banking or Lending helpful but not required.

• Credit Judgment:
  Ability to assess risk and make sound decisions based on experience and data.
• Policy Discipline:
  Consistently enforces standards, even under pressure.
• Speed & Execution:
  Strong…